不是更低的循环利息，是可以"0循环利息"
原文如下
Most credit card statements emphasize your minimum amount due. And if you pay
just that, it costs you a lot in interest over time. Apple Card is different.
When you’re ready to make a payment, Apple Card estimates the interest you’
ll wind up paying, based on any payment amount you choose. And it does it in
real time, so you can make an informed decision about how much of your
balance to pay down
苹果附的示意图如下
https://imgur.com/j5jxgRJ
看起来是有几个付款级距可以选，在全额付款之前还有一个级距是0息
个人是觉得很吸引人就是了XD
※ 引述《bboy0720 (D3理财周报)》之铭言：
: 新闻来源:
: https://www.macrumors.com/2019/03/25/apple-announces-apple-card/?fbclid=IwAR0oO5u9O6Ii8NtJ_N9OKuTQ8j8YB9vWugv-Xb32yY6Q-bEJChy1E-Yeaf0
: 摘要:
: 今天一早看到的消息，简单来说 我大apple 和高盛合作，要在今年夏天推出第一张
: 联名卡。现金回馈2% (苹果系列3%) 当日刷当日回馈入账使用，无迟缴违约金、更
: 低的循环利率、金属卡。
: 并且，实体卡没有卡号、没有CCV、无到期日、不需签名。试图为信用卡市场创造
: 一个新的未来。
: 原文:
: Apple today revealed a brand new service called "Apple Card," a new digital
: and physical credit card that users will be able to sign up for right from
: their iPhone. Apple says this sign-up process takes just a few minutes and
: then they can start using the Apple Card right away in stores, in apps, or
: online worldwide. Apple partnered with Goldman Sachs and Mastercard for Apple
: Card.
: After spending, Apple Card will give users simple real-time views of their
: latest transactions and balance in the Wallet app. Apple Card uses machine
: learning and Apple Maps to label transactions with merchant names and
: locations. Purchases are then automatically totaled and color coded through
: categories like Food and Drinks, Shopping and Entertainment, and more.
: At the end of each week and month, the Wallet app will show what users spent
: to help visualize their past finances. The company will also provide 24/7
: customer support through Messages.
: Anyone who uses Apple Card will receive a percentage of every purchase amount
: back as "Daily Cash," the card's rewards program. Every time users pay with
: Apple Card they will receive 2 percent Daily Cash back, and if they make a
: purchase directly with Apple they'll get 3 percent Daily Cash back. Daily
: Cash is immediately added to the user's Apple Cash card in the Wallet app,
: and can be used anywhere Apple Pay is accepted.
: Apple Card has no fees associated with it, and the company says that "Apple
: Card’s goal is to provide interest rates that are among the lowest in the
: industry and if a customer misses a payment, they will not be charged a
: penalty rate."
: As with Apple's other services, the company promises that Apple Card is
: completely secure and private.
: A unique card number is created on iPhone for Apple Card and stored safely in
: the device’s Secure Element, a special security chip used by Apple Pay.
: Every purchase is secure because it is authorized with Face ID or Touch ID
: and a one-time unique dynamic security code. The unique security and privacy
: architecture created for Apple Card means Apple doesn’t know where a
: customer shopped, what they bought or how much they paid.
: There will also be a physical Apple Card for shopping at locations where
: Apple Pay is not accepted. The card is made out of titanium, has no card
: number, no CVV, no expiration date, and requires no signature.
: Apple Card launches in the United States this summer.